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Loans | Mortgage | Savings | Certificates
| Rates Effective as of February 1, 2012 |
| Loans |
Term in Months
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Rates as low as
|
APR*
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Tax Loan
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Payment Example of "A+" Tier Tax Loan per $1,000.00 borrowed
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12 |
4.99
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4.99
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Calculator
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1 year at 4.99% - 12 monthly payments of $86.00
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Motorcycle Loan
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Payment Examples of "A+" Tier New Motorcycle Loans per $10,000.00 borrowed
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| 3 years at 3.50% - 36 monthly payments of $294.00 |
36 |
3.50
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3.50
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Calculator |
| 4 years at 3.75% - 48 monthly payments of $226.00 |
48 |
3.75
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3.75
|
Calculator |
| 5 years at 4.00% - 60 monthly payments of $185.00 |
60 |
4.00
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4.00
|
Calculator |
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Regular Auto Loans
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Term in Months
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Rates as low as
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APR*
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Payment Examples of "A+" Tier New Auto Loans per $10,000.00 borrowed
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| 3 years at 2.99% - 36 monthly payments of $291.00 |
36 |
2.99 |
2.99 |
Calculator |
| 4 years at 2.99% - 48 monthly payments of $222.00 |
48 |
2.99 |
2.99 |
Calculator |
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5 years at 3.00% - 60 monthly payments of $180.00
|
60 |
3.00 |
3.00 |
Calculator |
| 6 years at 3.50% - 72 monthly payments of $155.00 |
72 |
3.50 |
3.50 |
Calculator |
| 7 years at 4.75% - 84 monthly payments of $161.00 |
84 |
4.75 |
4.75 |
Calculator |
| Payment Examples of "A+" Tier Used Auto Loans per $10,000.00 borrowed (2006 or newer) |
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| 3 years at 2.50% - 36 monthly payments of $289.00 |
36 |
2.50 |
2.50 |
Calculator |
| 4 years at 3.25% - 48 monthly payments of $223.00 |
48 |
3.25 |
3.25 |
Calculator |
| 5 years at 3.50% - 60 monthly payments of $183.00 |
60 |
3.50 |
3.50 |
Calculator |
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VISA Cards
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Rates as low as
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APR*
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"A+" Tier VISA Credit Cards
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| VISA Platinum |
n/a |
6.99 |
6.99 |
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| VISA Classic |
n/a |
8.99 |
8.99 |
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Share Secured VISA Card
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|
Rate
|
APR*
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| Purchases |
n/a |
7.00 |
7.00 |
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| Cash Advances |
n/a |
8.50 |
8.50 |
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Starter Platinum VISA Card
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10.99 |
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Personal Loan
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Term in Months
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Rates as low as
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APR*
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Payment Examples of "A+" Tier Personal Loans per $1,000.00 borrowed
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| 1 year at 5.99% - 12 monthly payments of $87.00 |
12 |
5.99 |
5.99 |
Calculator |
| 2 years at 5.99% - 24 monthly payments of $45.00 |
24 |
5.99 |
5.99 |
Calculator |
| 3 years at 6.50% - 36 monthly payments of $31.00 |
36 |
6.50 |
6.50 |
Calculator |
| 4 years at 6.99% - 48 monthly payments of $25.00 |
48 |
6.99 |
6.99 |
Calculator |
| 5 years at 9.25% - 60 monthly payments of $21.00 |
60 |
9.25 |
9.25 |
Calculator |
| 6 years at 9.75% - 72 monthly payments of $19.00 |
72 |
9.75 |
9.75 |
Calculator |
| 7 years at 10.75% - 84 monthly payments of $18.00 |
84 |
10.75 |
10.75 |
Calculator |
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Certain restrictions may apply to all loan types. All loans are subject to credit approval.
Rates may change without prior notice. Rates are based upon applicant credit worthiness and ability to repay.
APR* = Annual Percentage Rate
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Terms in Months
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Rate
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APR*
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Share Secured Loan
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| Payment Examples of "A+" Tier ShareSecured Loan per $1,000.00 borrowed |
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| 5 years at 3.75% - 60 monthly payments of $19.00 |
60 |
3.75 |
3.75 |
Calculator |
| 7 years at 4.25% - 84 monthly payments of $14.00 |
84 |
4.25 |
4.25 |
Calculator |
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Military Buyback/Retirement Loan
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| Payment Example of "A+" Tier Military Buyback/Retirement Loan per $10,000 borrowed |
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| 3 months at 9.00% - 1 payment of $10,152.41 |
3 |
9.00 |
9.00 |
Calculator |
| |
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| Enhanced Line of Credit |
n/a |
11.75 |
11.75 |
Calculator |
| Enhanced Line of Credit Special |
n/a |
10.75 |
10.75 |
Calculator |
The terms set forth is used only to calculate payments. No in-house refinancing on specials. Some restrictions may apply. All rates are subject to change without prior notice. Call the credit union at (808) 853-2355 for current rates.
*APR = Annual Percentage Rate
Go To Loan Application | Go To Calculators | Back to Top
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| Rates apply to New HELOC opened after January 1, 2011 |
75th Anniversary HELOC Special
Introductory Rate of 2.75% APR
Fixed for 12 months
Current Rate 6.00% - 18.00% APR
Based on your credit worthiness
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2.75% Introductory APR for a period of 12 months. When the discount period ends, the APR on the existing balances will increase to the current existing rate on the first day of the month. After that your APR will be 6.00% to 18.00% based on your credit worthiness. APR = Annual Percentage Rate. Contact our Loan Department for more information.
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Adjustable Home Equity 15 year term
| As low as |
Points |
APR* |
| 6.00 |
0 |
6.00 |
Adjustable Home Equity 12 year term Investment Property
| As low as |
Points |
APR* |
| 6.00 |
0 |
6.00
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These are open-end loan products. The terms set forth is used only to calculate payments under the open-end subaccount.
Fixed Rate Mortgage 12 year term Investment Property
| As low as |
Points |
APR* |
| 5.75 |
0 |
5.75 |
Fixed Rate Mortgage 15 year term
| As low as |
Points |
APR* |
| 4.50 |
0 |
4.50 |
Fixed Rate Mortgage 20 year term
| As low as |
Points |
APR* |
| 4.75 |
0 |
4.75 |
Payment Example: A loan of $100,000 with a 4.50% APR and no points would have the following payment and total interest paid at the following loan terms:
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Term
|
Payment
|
Monthly P & I
|
Total Interest Paid
|
|
15 Years
|
180
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$766
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$37,711.44
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Payment Example: A loan of $100,000 with a 4.75% APR and no points would have the following payment and total interest paid at the following loan terms:
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Term
|
Payment
|
Monthly P & I
|
Total Interest Paid
|
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20 Years
|
240
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$647
|
$55,112.80
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| Rates Effective as of February 1, 2012 |
| Savings |
Term in Months
|
Minimum Balance
|
Dividend Rate
|
APY*
|
| Regular Savings |
n/a |
100.00 |
0.250
|
0.250 |
| Holiday Savings Account (Up to $10,000) |
12 |
100.00 |
1.000 |
1.000 |
| Kidz Club (under 14 years of age) |
n/a |
25.00 |
0.495 |
0.500 |
| The Zone (14-17 years of age) |
n/a |
25.00 |
0.495 |
0.500 |
| 9-1-1 Savings |
n/a |
0.00 |
0.300 |
0.300
|
| Checking |
n/a |
0.00 |
0.000 |
0.000 |
| Individual Retirement Account (IRA) |
n/a |
n/a |
1.990 |
2.000 |
| ROTH IRA |
n/a |
n/a |
1.990 |
2.000 |
| Super Savings Account ($2,500.00 - $24,999.99) |
n/a |
2,500.00 |
0.300 |
0.300 |
| Super Savings Account ($25,000.00 - $49,999.99) |
n/a |
25,000.00 |
0.300 |
0.300 |
| Super Savings Account ($50,000.00 - $99,999.99) |
n/a |
50,000.00 |
0.400 |
0.400 |
| Super Savings Account ($100,000.00 and Over) |
n/a |
100,000.00 |
0.400 |
0.400 |
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Dividends are posted quarterly to your Savings account. Dividends on Super Savings accounts are posted monthly. Minimum balance requirements apply to daily balance. All rates are variable. This means the dividend rate and annual percentage yield may change every dividend period as determined by the Board of Directors. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the credit union anticipates paying for the applicable dividend period. If you have any questions or need current rate information, please call (808) 853-2355. Fees could reduce earnings on these accounts.
*APY = Annual Percentage Yield
Back to Top
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| Rates Effective as of February 1, 2012 |
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Certificate rates remain fixed for the term of the certificate. Dividends are credited quarterly and will be transferred to a savings or checking of your choice. A penalty may be imposed for withdrawals before maturity. Rates are accurate and effective as of the date indicated and are subject to change without prior notice. If you have any questions or need current rate information, please call (808) 853-2355.
*APY = Annual Percentage YieldBack to Top
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